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Frequently asked questions about motors

Motor insurance in Kenya is mandatory. Every car owner must insure their vehicles before driving them on public roads. Depending with your needs, all car owners are required by law to purchase third party only. This protects you for claims by third parties of damage you have caused by using your car
When shopping for insurance cover, you must identify your needs first before choosing an insurance policy. While third party cover is the minimum policy required by law, it’s wiser to purchase comprehensive insurance which covers your vehicle against a wide range of risks including personal damage.
The best way to keep your insurance premiums low is to carefully think of what you really need, and then start comparing multiple insurance policies. Select the policy which covers your needs and compare prices. At Afrinsure.com you can easily compare and select the right policy for you.
In Kenya, there are three levels of motor insurance. They include: Third party only— this cover protects third party persons against loss of property or body injuries due to an accident caused by you. Third party, fire and theft— cover third parties as mentioned above and in addition covers your vehicle against fire and theft. Comprehensive—works similar to the two products above and also protects you against damages done to your vehicle in the event of an accident.
The answer is NO. According to Kenyan laws, the least cover which is also compulsory is the Third Party Only. Failure to purchase this cover means that you’re illegally driving on Kenyan roads.
When estimating your car’s value, it’s important that you observe honesty and ensure that the estimation is close to the car’s market value. Whn you apply for a motor insurance policy, the car value will be assessed by independent car valuers.
Motor insurance is a cover that protects you against damage or loss of your car due to accidents, fire, theft or other disasters. Motor insurance further protect the third parties against injuries or death caused in an accident.
Third party compensates third party persons in case of an accident caused by you. This cover doesn’t compensate the driver for own body injuries or own car damages. On the other hand, comprehensive insurance covers both third parties and your own car in case of an accident. In addition to this, it covers also for theft, fire, damage or loss due to natural disasters and other incidents.
"It’s safe to buy motor insurance products online. Actually, it’s faster to compare policies online than having to make a lot of phone calls to insurance agents. You also get more choice and you can compare policies more easily. If you want to make a comparison now, go to our comparison tool.
The type of car you drive can have direct impact on the amount of premiums you pay for Comprehensive and Third Party Fire & Theft. The value of your car is directly related to the rate of premiums you pay.
The first thing is to report the matter to your insurance company. Submit all the necessary documents and if possible proof (photos) to show exactly what happened (in case of an accident). Ensure that you cooperate with the insurance company throughout the process for a smooth and fast compensation. If you are insured via Afrinsure, we will help you with making a claim.
"Some policies may include a courtesy car (also called ""loss of use"") when your own vehicle is being repaired after an accident. However, it’s important to review your insurance policy since some companies may deny you a courtesy car when your car is written-off."
"Determining the best insurance cover for your vehicle can sometimes be overwhelming. Afrinsure makes the process more simple by providing all information online. At this page you can compare policies and pick the best one for you."
Comparing insurance quotes is a hassle and can be confusing. That’s why Afrinsure provides hassle-free insurance: compare, select and buy your insurance policy online. It will give you more overview and lower prices compared to buying via an agent, which often compare quotes of only three to four companies. Afrinsure also brings your insurance certificate to your home or office and will assist you with claims.
Some of the risks which your insurance company may fail to cover include the loss of your vehicle outside the stated geographical area, loss of car caused by fraud, driving while drunk or damage or loss of vehicle while being used for unlawful acts.
No. Remember that insurance companies are guided by the principle of indemnity which states that the insured should be taken back to his/her financial position before the accident. Insuring your vehicle twice means that you wish to get paid twice which is counted as violation of the terms and conditions.
No claim bonus (NCD) is a reward given out to private policyholders who haven’t made any claims in a single year.
Motor insurance policies are limited and vary depending with the insurer. Some policies don’t cover vehicles outside Kenya, other policies cover for some countries outside Kenya, like Uganda and Tanzania. If you travel by car to another country, just check the terrestrial limits clause of your policy. You might have to buy a COMESA yellow card to be covered in certain countries.
Insurance is a process through which a person transfers his/her risks to an insurance company at a fee commonly referred to as premium. Both the insured and the insurer agree that on the event of loss, the insurer will compensate the insured depending with the agreement.
Failure to pay your premiums as agreed in the policy document may lead to termination of your contact with your insurance company. An insurance company reserves the right to reject any claims if all the premiums had not been paid as per the policy contract at the time you are making a claim
Insurance companies don’t work that way. You can’t get compensation simply because you didn’t make a claim over the policy period. Insurance is like a pool of funds where your share of premiums helps in compensating other policy holders. However, if you stay for a long time without making a claim, you can request for a premium discount.
First, inform your insurer about the condition and let them know you’re dissatisfied. Submit a formal (written) complaint to the insurance company concerned. In case the problem is not solved, consider to hire a lawyer. Make sure that in any case, you have documents available that will strengthen your case. You may also consider referring your complaint to the Insurance Regulatory Auhority (IRA) consumer protection department before you take legal action.
First, contact your insurance company then fill a claim form. Submit the form immediately to your insurance company or agent together with the police abstract. Optional documents you can provide which can help strengthen your claim, like a police report of the accident or photos.
An insurance policy is a proof document showing the existence of an insurance contract. This document reveals the terms and conditions of the contact. It’s important that you first read and understand the terms of your insurance policy to avoid any problems in the future.Your agent can help you in understanding some of the insurance terms
"An excess is the amount of money you pay when making an insurance claim. For instance, if your vehicle is involved in an accident, you pay the excesses for your claim to be processed. At some companies you will not pay an excess if the accident is not your fault. You can also pay a extra premium (called ""Excess Protector"") so as to avoid paying excess when making a claim. What happens is that you’ll provide the address or vehicle registration number of the other driver who’s responsible for your car’s damage."
After purchasing an insurance cover, you become a policyholder with certain rights. To know more about your rights, you can contact your insurer or agent.
A policy document is a detailed document that has all the terms and conditions of the insurance contract. It is also the proof that you have there exists a contract between the insured and the insurer. The document is issued once payment is done.
Yes, insurance brokers are familiar with the market and can negotiate the best premiums on your behalf. A broker is meant to advise you on the best and most competitive policies around to eliminate the burden of having to pay more for your motor insurance cover.
Yes you can although it depends on the level of your conviction. If you’re crime record is limited, you may be covered but again, it may take long to find a company that will cover you and also, you may end up paying higher premiums.
When you purchase a motor insurance, you’re required to pay small amounts of money called premiums. Insurance companies must charge adequate premiums so that they are able to meet the losses suffered by their clients in the whole year.
This term defines a policy proof that states who was wrong in the event of an accident. If the abstract proves you’re not to blame for an accident, then you’ll not have to pay for the excesses.
This is the first part of a claim which is not being paid by the insurance company. For example, if a car is stolen, and the excess is 10% of the car value, the insurance company will pay only 90% of the car value. The insured is supposed to pay the 10% excess.
This is the amount of compensation payable by the insurer in case of an accident minus any excess. This amount covers every part of your vehicle including any modifications and accessories. For each cover, you can find the amounts covered on the certificate of insurance.
If you miss to pay your premiums, your insurer has the right to reject your claims. However, most insurance companies provide a grace period of about 15 days and mostly reject claims if you miss to pay your premiums for two consecutive months. Always pay your insurance premiums on time.
First call your insurance company. If you hold a comprehensive cover, you can take your car to a garage which has been approved by your insurer for assessment and repairs. Submit a motor accident claim form together with all the supporting documents. Cooperate with the insurer and don’t instruct any repairs until you’re told to. When you are insured via Afrinsure, we will assist you with any claims.
An excess is important as it serves as a kind of a co-insurance. An excess also helps the insured to be very careful and avoid claims.
An authorized driver in an insurance policy relates to the insured or a person driving an insured car with the insured’s order or permission. Insurance companies will normally ask you for a list of authorized drivers ( a maximum of four) at the start of the cover.
An accident can’t cause your policy to be cancelled. However, if the results reveal that you were the cause of an accident, you may end up paying higher premiums after renewing your policy.
Insurance Premium Tax Relief (IPTR) is an insurance benefit offered to all life insurance policyholders.To encourage uptake of insurance by Kenyans, the government refunds 15% (upto a maximum of Ksh 60,000 per year) through a reduction of your payable tax. A certificate has to be obtained from your insurer and presented to the KRA so that your employer can effect the tax relief.
In Kenya, there are four types of motor insurance certificates which include: Class A—representing all public service vehicles such as buses, matatus, taxis, tuk-tuks and cars for hire. Class B—represents all commercial vehicles such as tractors, trucks, pickups, Lorries and trailers used for all commercial purposes. Class C—this involves all private vehicles such as saloons and SUVs used for all domestic and leisure activities. Class D—this represents all motor cycles such as “BodaBodas” commonly found in Nairobi and other regions countrywide.
If your car is damaged by an insured third party your insurer will compensate you for the damages to your car and then follow up with the uninsured driver through a court process if he is to blame for the accident. As per the Traffic Act, it is a criminal offence to drive a car without valid insurance cover on public roads.
"When a loss or damage to your car occurs the insurance company may require you to pay an excess depending on the policy you have taken. For own damage (damage to your car) you can avoid excess by paying an extra premium called ""Excess Protector"". However, a theft excess is applicable if you make a claim following theft of your car. You pay less theft excess if your car is fitted with Anti-theft and car tracking devices. For Third Party damages and injuries caused by you an excess is also applicable."
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